Most of the time, no apparent cause for night leg cramps can be identified. In general, night leg cramps are likely to be related to muscle fatigue and nerve problems. The risk of having night leg cramps increases with age. Pregnant women also have a higher likelihood of having night leg cramps. Several conditions, such as kidney failure and diabetic nerve damage, are known to cause night leg cramps.
The math shows real after-tax TIPS annual yield of -.4% and -2.15% for the nominal Treasury at 35% tax rates. The TIPS does mitigate the after-tax impact of inflation; but does not remove it. In fact, the only way to guarantee a real bond yield is to exempt it from tax and offer the inflation gross-up.
If a deferred annuity is surrendered prior to age 59.5, income tax and a 10% penalty on the taxable portion must be paid on the gain. If only a portion of the annuity is surrendered, the IRS will assume LIFO, which means that any deferred gain will be taken out first and taxed at ordinary income rates.